Rs. 50 Lakh Loan

Get a Rs. 50 Lakh loan using ESOPs, bonds, mutual funds, shares, or insurance, with quick disbursal, competitive rates, and flexible repayment terms.
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Leverage your investments for funds!
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3 mins read
15-May-2025

Sometimes, life’s opportunities and challenges are just too big for small budgets. Maybe you are looking to expand your business, invest in property, handle a medical emergency, or fund a personal milestone, and a Rs. 50 lakh loan could make it happen. Now, here is the smart bit: you do not always need to sell your investments to raise that much cash. With a loan against investments, you can unlock the value of your shares, bonds, mutual funds, or insurance policies, and still keep them working for you.

Why sell your assets when they can help you borrow big and grow at the same time? Apply for a loan against securities now

Why choose a loan against investments?

Loans against investments are secured loans, which means you pledge your financial assets as collateral. Because the lender has security, they can offer:

  • Lower interest rates than most personal loans
  • Faster processing, often within a day or two
  • Flexible repayment options to suit your cash flow

6 ways to get a Rs. 50 lakh loan

Here are the most popular options for raising Rs. 50 lakh by pledging your investments:

Loan product

Interest rate

Loan tenure

ESOP financing

Up to 15% p.a.

Up to 36 months

Loan against bonds

8–15% p.a.

Up to 36 months

Loan against insurance policy

Up to 24% p.a. (compounding or simple interest based on policy type)

Up to 96 months

Loan against mutual funds

8–15% p.a.

Up to 36 months

Loan against shares

8–15% p.a.

Up to 36 months


Your investments can open doors to instant, high value funding no selling, no waiting. Explore now

Eligibility criteria for a Rs. 50 lakh loan

Securing a high-value loan like Rs. 50 lakh requires meeting certain conditions set by the lender. These criteria ensure that you have the capacity to repay and the assets to support the borrowing.

  • Age: Applicants must be between 18 and 65 years old.
  • Income: A stable source of income is essential whether from a salary, self-employment, or regular investment returns.
  • Employment status: You can be a salaried professional, business owner, or self-employed individual.
  • Asset ownership: You must hold eligible securities such as shares, bonds, mutual funds, or insurance policies.

Some lenders may set a minimum investment value or require proof of a strong repayment history before approving the loan.

Loan Against Shares
Loan Against Mutual Funds

Documents required for a Rs. 50 lakh loan

To make the approval process fast and seamless, it’s important to prepare all necessary paperwork in advance.

  • Identity proof: Aadhaar, PAN, Passport, Driving License, or Voter ID.
  • Address proof: Utility bills, Driving Licence, Passport, or Aadhaar card.
  • Income proof: Salary slips, Income Tax returns, or financial statements for business owners.
  • Bank statements: Statements from the last six months.
  • Investment proof: Evidence of ownership for shares, bonds, mutual funds, or insurance policies.
  • Loan application form: Fully completed and signed according to the lender’s requirements.

For higher loan amounts, the lender may request additional documentation to verify your financial position and collateral.

How to apply for a Rs. 50 lakh loan?

Applying for a Rs. 50 lakh loan is straightforward if you follow the right sequence:

  1. Choose your loan type: Pick the loan product that suits your available investments.
  2. Check eligibility: Ensure you meet all the lender’s requirements before applying.
  3. Prepare documents: Keep your KYC, income, and investment proofs ready.
  4. Apply online or offline: Submit the application via the lender’s website or by visiting a branch.
  5. Pledge collateral: Share details of the securities you are willing to offer.
  6. Verification: The lender will confirm your documents and assess your investment value.
  7. Approval & disbursement: Once approved, funds are typically transferred within a few days.

Loan-to-Value (LTV): Lenders usually allow borrowing between 50% and 90% of the pledged asset’s value.

Benefits of a Rs. 50 lakh loan against investments

Choosing to pledge your investments for a high-value loan comes with many benefits:

  • Retain ownership: Continue to earn returns on your assets while using them to borrow.
  • Lower interest rates: Secured loans generally cost less than unsecured borrowing options.
  • Quick approval: Pledged assets mean faster processing and fewer delays.
  • No spending limits: Funds can be used for any legitimate personal, business, or investment purpose.
  • High-value funding: Large amounts are possible without selling or liquidating your portfolio.

Borrowing against your investments gives you funds while keeping your wealth secure and working for the future. Apply for LAS now

Tips to increase your approval chances

Follow these steps to maximise the likelihood of securing your Rs. 50 lakh loan:

  • Keep your investment documents updated and readily accessible.
  • Maintain a good credit score to inspire lender confidence.
  • Opt for a shorter tenure if you can manage higher EMIs to save on interest.
  • Avoid applying to several lenders at once to protect your credit profile.

Things to consider before applying

Before submitting your application, keep these points in mind:

  • Compare interest rates, loan terms, and processing fees among different lenders.
  • Understand prepayment or foreclosure charges and conditions.
  • Keep an eye on your collateral value, as market changes can affect your LTV ratio.
  • Ask if the lender provides interest-only repayment options for flexibility.

Choosing the right lender and understanding terms can save you significant money and stress later on. Apply now

Conclusion

A Rs. 50 lakh loan against investments can be a powerful way to access large funds without touching your core portfolio. It’s faster, often cheaper, and keeps your long-term wealth intact. Before you apply, take the time to compare products, understand the lender’s requirements, and ensure your documents are ready. That way, you can go from application to approval in days and use your funds exactly where you need them.

Your investments are already working for you now let them open the door to Rs. 50 lakh. Apply for loan against securities today

Frequently asked questions

How to get a 50 Lakh Loan immediately?
To get a Rs. 50 lakh loan quickly, apply for a secured loan against investments like shares, or bonds. Ensure you meet the lender’s eligibility criteria, provide necessary documents, and opt for online processing for faster approval and disbursement.

What is the minimum salary for a 50 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 50 lakh loan against your investments. Instead, your eligibility depends on the value and type of securities you pledge such as shares, mutual funds, or insurance policies approved by your lender. As long as your pledged investments meet the lender’s criteria, you can access funds without income-based restrictions.

What is the interest rate for a 50 Lakh Loan per month?
Interest rates for a Rs. 50 lakh loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the annual rate, loan tenure, and repayment type. Secured loans offer lower rates than unsecured personal loans.

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